Home > Ohio Heritage Bank > Net charge- offs to loans
Ohio Heritage Bank, Net charge- offs to loans
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0253% | 5,618 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0037% | 5,287 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 833 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0326% | 5,851 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0198% | 4,458 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0016% | 2,759 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,007 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3947% | 6,052 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 642 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4006% | 6,013 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0044% | 4,796 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0099% | 2,417 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0430% | 6,055 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0180% | 2,065 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0195% | 1,930 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,326 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2356% | 5,780 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 507 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2392% | 5,730 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0447% | 4,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0283% | 4,043 |
| Percentage Net Loans Charged-off:Construction & development | -0.0237% | 5,379 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0056% | 2,649 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0343% | 3,699 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0201% | 4,669 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0387% | 3,485 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,100 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3483% | 2,546 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 806 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3540% | 2,393 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0642% | 3,996 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0386% | 3,611 |
| Percentage Net Loans Charged-off:Construction & development | -0.0307% | 5,453 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0149% | 2,256 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0459% | 3,282 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0269% | 4,710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0518% | 3,072 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,729 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5328% | 1,793 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 736 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5415% | 1,654 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0135% | 4,579 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0151% | 3,650 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0438% | 1,819 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0122% | 3,258 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0201% | 4,662 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0149% | 3,055 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,451 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,315 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0539% | 3,284 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0177% | 2,871 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0432% | 6,411 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0277% | 2,406 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0396% | 4,743 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0333% | 2,238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,678 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6706% | 1,359 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6818% | 1,216 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1423% | 4,270 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1324% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | -0.0904% | 6,027 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3064% | 1,961 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1176% | 3,532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5029% | 1,019 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0823% | 3,646 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,620 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3964% | 2,680 |
| Percentage Net Loans Charged-off: Credit card loans | -2.7655% | 1,378 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4476% | 2,377 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1768% | 3,692 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1671% | 3,308 |
| Percentage Net Loans Charged-off:Construction & development | -0.1190% | 6,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4079% | 1,536 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1445% | 3,102 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6589% | 802 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0964% | 3,260 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,269 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4464% | 2,300 |
| Percentage Net Loans Charged-off: Credit card loans | -3.5812% | 1,372 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5118% | 1,966 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2238% | 3,234 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2292% | 2,770 |
| Percentage Net Loans Charged-off:Construction & development | -0.1347% | 6,140 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6244% | 1,102 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1850% | 2,685 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4629% | 880 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1587% | 2,668 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,854 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3170% | 2,538 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3223% | 2,353 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3779% | 2,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3647% | 1,940 |
| Percentage Net Loans Charged-off:Construction & development | -0.2859% | 6,270 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2621% | 557 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2497% | 2,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2739% | 1,833 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8293% | 1,311 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 576 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8431% | 1,169 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2313% | 4,334 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2271% | 3,783 |
| Percentage Net Loans Charged-off:Construction & development | -0.7468% | 6,594 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1224% | 3,022 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2952% | 2,946 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5103% | 1,219 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2752% | 2,941 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,193 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4645% | 2,913 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3940% | 2,879 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2485% | 3,877 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2520% | 3,327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0820% | 2,542 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1751% | 2,429 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2808% | 2,731 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6955% | 932 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2428% | 2,780 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3944% | 2,918 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3213% | 2,894 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3442% | 3,185 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3518% | 2,722 |
| Percentage Net Loans Charged-off:Construction & development | 0.1794% | 2,132 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3481% | 1,747 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3726% | 2,236 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6031% | 915 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3516% | 2,181 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5096% | 2,406 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3899% | 2,433 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5968% | 2,001 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6428% | 1,631 |
| Percentage Net Loans Charged-off:Construction & development | 0.4648% | 1,392 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8805% | 845 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6357% | 1,332 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6935% | 1,195 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4584% | 2,198 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3125% | 2,225 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7588% | 2,741 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7644% | 2,311 |
| Percentage Net Loans Charged-off:Construction & development | 9.9471% | 575 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8525% | 1,473 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3448% | 2,808 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0908% | 1,813 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3673% | 2,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6479% | 3,053 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7793% | 2,610 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6433% | 2,822 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6483% | 2,352 |
| Percentage Net Loans Charged-off:Construction & development | 8.9191% | 618 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0773% | 1,065 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2114% | 3,095 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2299% | 2,879 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0248% | 4,241 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0752% | 1,862 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6133% | 2,694 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6052% | 2,244 |
| Percentage Net Loans Charged-off:Construction & development | 10.9939% | 442 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2629% | 2,529 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2857% | 2,334 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0367% | 3,705 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1848% | 1,643 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4406% | 2,726 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4130% | 2,240 |
| Percentage Net Loans Charged-off:Construction & development | 4.8758% | 796 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2937% | 2,016 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3194% | 1,847 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,838 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1453% | 1,634 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6725% | 3,167 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7404% | 2,344 |
| Percentage Net Loans Charged-off:Construction & development | 13.6724% | 393 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1285% | 3,701 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2861% | 1,487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1153% | 3,655 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1571% | 4,615 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2641% | 4,932 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,179 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8715% | 2,228 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9589% | 1,618 |
| Percentage Net Loans Charged-off:Construction & development | 17.6045% | 228 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1266% | 3,314 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1371% | 3,052 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2073% | 3,850 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3540% | 4,255 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7793% | 2,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8213% | 1,575 |
| Percentage Net Loans Charged-off:Construction & development | 13.4809% | 304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1528% | 2,706 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1653% | 2,468 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3070% | 3,034 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6706% | 3,023 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9541% | 1,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0282% | 993 |
| Percentage Net Loans Charged-off:Construction & development | 14.6950% | 211 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2801% | 1,642 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3031% | 1,481 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3644% | 2,027 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5661% | 2,805 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1254% | 4,986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0776% | 3,978 |
| Percentage Net Loans Charged-off:Construction & development | 0.2008% | 2,404 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0868% | 3,008 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2012% | 1,022 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0773% | 2,924 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7828% | 2,123 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1049% | 5,460 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,198 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1251% | 4,092 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0696% | 3,272 |
| Percentage Net Loans Charged-off:Construction & development | 0.2664% | 1,694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0708% | 2,600 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0767% | 2,370 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0790% | 1,255 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0552% | 7,430 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1944% | 2,779 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1018% | 2,348 |
| Percentage Net Loans Charged-off:Construction & development | 0.3937% | 1,097 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1024% | 1,917 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1110% | 1,732 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5971% | 740 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0273% | 4,843 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3682% | 1,387 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1170% | 1,598 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1541% | 1,189 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1671% | 1,044 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1364% | 322 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7321% | 1,956 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1189% | 3,662 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0102% | 3,854 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0133% | 3,065 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0110% | 5,972 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0155% | 2,816 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6454% | 1,609 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7369% | 2,254 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7194% | 1,012 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9091% | 656 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1218% | 2,844 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 7,446 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0012% | 7,562 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0147% | 5,971 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7215% | 1,184 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7918% | 1,751 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0493% | 815 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2146% | 486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1133% | 2,574 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0793% | 2,279 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2094% | 1,035 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2172% | 345 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1524% | 1,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1284% | 1,455 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5976% | 751 |
| Percentage Net Loans Charged-off: Credit card loans | 10.4348% | 79 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1052% | 3,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0156% | 2,847 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0199% | 2,472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0220% | 2,280 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0255% | 7,108 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9783% | 1,502 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3840% | 1,158 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1260% | 2,300 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0210% | 2,224 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0267% | 1,947 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0296% | 1,787 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0231% | 6,947 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1297% | 1,133 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4422% | 1,023 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0955% | 2,537 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0363% | 1,625 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0460% | 1,438 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0513% | 1,318 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0181% | 6,787 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6735% | 1,860 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4938% | 439 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1819% | 1,408 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0335% | 1,159 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0425% | 1,008 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0475% | 912 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0368% | 6,935 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5473% | 811 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3250% | 335 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1749% | 2,563 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0158% | 2,847 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0198% | 2,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0219% | 2,373 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3669% | 2,226 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2239% | 1,414 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9669% | 273 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1826% | 2,123 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0160% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0199% | 2,200 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0220% | 2,026 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5103% | 1,521 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1969% | 1,304 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9982% | 342 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6724% | 7,599 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1806% | 1,987 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0146% | 2,136 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0181% | 1,871 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0216% | 5,922 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0222% | 1,702 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8156% | 1,040 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9995% | 1,563 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1824% | 352 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1985% | 1,596 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0131% | 1,574 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0163% | 1,381 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0442% | 5,948 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0224% | 1,208 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3246% | 599 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8950% | 1,685 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4602% | 393 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1845% | 2,923 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0044% | 3,681 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0055% | 3,096 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0060% | 2,916 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0368% | 7,434 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3323% | 1,434 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0199% | 337 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.7301% | 7,811 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1991% | 2,357 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0060% | 3,092 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0075% | 2,589 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0082% | 2,421 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0331% | 7,216 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3942% | 1,236 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8164% | 266 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.0008% | 7,821 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2254% | 2,021 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0249% | 7,049 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5685% | 1,057 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0501% | 248 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.3484% | 7,822 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0707% | 3,310 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0374% | 8,462 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0465% | 8,496 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0499% | 8,502 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0501% | 7,270 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7188% | 2,363 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3799% | 693 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -3.6530% | 7,800 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1537% | 3,968 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1196% | 4,004 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8449% | 2,833 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4382% | 1,031 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1692% | 3,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2226% | 3,046 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8793% | 2,487 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3649% | 1,007 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1114% | 3,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3037% | 2,398 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5185% | 3,496 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5105% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1510% | 2,752 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6800% | 1,266 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6077% | 2,861 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9104% | 571 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1863% | 3,830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0373% | 2,829 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0442% | 2,382 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0474% | 2,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0990% | 8,144 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8107% | 2,955 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8456% | 730 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3303% | 2,446 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 3,756 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0057% | 3,110 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0061% | 2,934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1804% | 1,584 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0438% | 2,133 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0647% | 1,695 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.7438% | 225 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2351% | 2,759 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2554% | 2,649 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4228% | 1,771 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2462% | 3,268 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1875% | 4,242 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,856 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |